The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$109,930
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,350
−HK$3,474/mo
Today · 4.125%
HK$116,824
baseline
▲ 0.50% · 4.625%
HK$123,932
+HK$7,108/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$233,648/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,296
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,576
−HK$3,328/mo
Today · 4.125%
HK$128,904
baseline
▲ 0.50% · 4.625%
HK$135,698
+HK$6,794/mo
Deposit HK$24.10M · loan HK$24.10M · min. income ≈ HK$257,808/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,916
−HK$8,273/mo
▼ 0.25% · 3.875%
HK$136,020
−HK$4,169/mo
Today · 4.125%
HK$140,189
baseline
▲ 0.50% · 4.625%
HK$148,719
+HK$8,530/mo
Deposit HK$19.28M · loan HK$28.93M · min. income ≈ HK$280,378/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,756
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,692
−HK$3,992/mo
Today · 4.125%
HK$154,684
baseline
▲ 0.50% · 4.625%
HK$162,838
+HK$8,154/mo
Deposit HK$19.28M · loan HK$28.93M · min. income ≈ HK$309,368/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,902
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$158,690
−HK$4,863/mo
Today · 4.125%
HK$163,553
baseline
▲ 0.50% · 4.625%
HK$173,505
+HK$9,952/mo
Deposit HK$14.46M · loan HK$33.75M · min. income ≈ HK$327,106/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,215
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$175,807
−HK$4,658/mo
Today · 4.125%
HK$180,465
baseline
▲ 0.50% · 4.625%
HK$189,978
+HK$9,513/mo
Deposit HK$14.46M · loan HK$33.75M · min. income ≈ HK$360,930/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,875
−HK$12,408/mo
▼ 0.25% · 3.875%
HK$204,030
−HK$6,253/mo
Today · 4.125%
HK$210,283
baseline
▲ 0.50% · 4.625%
HK$223,078
+HK$12,795/mo
Deposit HK$4.82M · loan HK$43.39M · min. income ≈ HK$420,566/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,133
−HK$11,894/mo
▼ 0.25% · 3.875%
HK$226,037
−HK$5,990/mo
Today · 4.125%
HK$232,027
baseline
▲ 0.50% · 4.625%
HK$244,257
+HK$12,230/mo
Deposit HK$4.82M · loan HK$43.39M · min. income ≈ HK$464,054/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,048,909 · Scale 2, in force from 26 Feb 2026)